Collectible Auto Insurance Agencies in Saint Paul, MN

Saint Paul at a glance

• 8collectible auto insurance agencies listed
• 47.1%of households rentRenters insurance
• $294,500median home valueHome insurance
• 1952median year homes were builtRebuild cost calculator
• 13%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Ramsey County

FEMA rates the overall natural hazard risk in Ramsey County, where most Saint Paul agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

• HailRelatively High

  Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.

  Home insurance in Saint Paul
• TornadoRelatively High

  Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

  Home insurance in Saint Paul
• Inland floodingRelatively High

  Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

  Flood insurance
• Winter weatherRelatively High
• Strong windRelatively High

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in Saint Paul

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Minnesota

Minnesota requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $10,000 of property damage liability, often written 30/60/10. It also requires personal injury protection ($40,000), uninsured motorist coverage ($25,000 per person, $50,000 per accident) and underinsured motorist coverage ($25,000 per person, $50,000 per accident). Minnesota is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Saint PaulHow much liability cover do you need?

Source: revisor.mn.gov. Checked 2026-10-24.

Where Saint Paul agencies are

Saint Paul agencies we list sit in 5 ZIP codes, mostly in Ramsey County.

• 551134 agencies
• 551121 agency
• 551241 agency
• 551281 agency
• 551291 agency